Sammunat Jeevan Beema Yojana
In simple terms: you pay a fixed amount each year, and at the end of the term you get your cover amount back together with the bonus the insurer adds along the way. Sammunat Jeevan is a participating (with-profits) endowment life plan offering annual simple reversionary bonuses. Benefits: natural death 2× sum assured + bonus, accidental death 3× sum assured + bonus, maturity sum assured + bonus.
परिपक्वता अनुमान
अनुमानित परिपक्वता रकम
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Declared bonus
Rate by policy term
Declared FY 2081/82
| Policy term | Rate / 1,000 | Prev. year |
|---|---|---|
| 0-10 | Rs 56 | Rs 56 |
| 11-15 | Rs 56 | Rs 56 |
| 16-20 | Rs 56 | Rs 56 |
| 21-25 | Rs 60 | Rs 60 |
| 26-30 | Rs 70 | Rs 70 |
| 31+ | Rs 70 | Rs 70 |
Recent years
- FY 2081/82
- Rs 56–70/ 1,000
- FY 2080/81
- Rs 56–70/ 1,000
- FY 2079/80
- Rs 55–57/ 1,000
- FY 2078/79
- Rs 56–70/ 1,000
- FY 2077/78
- Rs 60/ 1,000
Source: नेपाल लाइफ इन्स्योरेन्स declaration for FY 2081/82
Bonus rates are declared annually and are not guaranteed. Past rates do not guarantee future rates.
What's included
Key highlights
- प्राकृतिक मृत्युमा 2×, दुर्घटनामा 3× बीमाशब्द
- वार्षिक साधारण रिभर्शनरी बोनस
- बीमाशब्द रु.50,000–रु.10,000,000
- प्रवेश उमेर 18–60; परिपक्वता 65 वर्ष
Features
- सहभागी (with‑profits) एंडाउमेन्ट योजना
- वार्षिक साधारण रिभर्शनरी बोनस
- प्राकृतिक मृत्युमा 2× आधार बीमा रकम + संचित बोनस
- दुर्घटनामा मृत्युमा 3× आधार बीमा रकम + संचित बोनस
- परिपक्वतामा आधार बीमा रकम + संचित बोनस
- क्रिटिकल इल्यनेस राइडर उपलब्ध (अधिकतम रु.5,000,000)
- ३ पूर्ण पोलिसी वर्ष र प्रिमियम पछि उपलब्ध हुने समर्पण र भुक्तानी मूल्यहरू
Terms and conditions
- This product is offered for an unlimited period to
- Males and Females
- Smokers and Non-smokers
- Individuals
- Urban and Rural population
- Standard and Impaired lives
What happens in each case
Each plan pays out differently depending on what happens during the term. These are the situations that matter for this kind of plan.
If the insured passes away during the term
The nominee receives the sum assured plus the bonus built up to that date, and the policy ends.
Typical for endowment plans — confirm the exact terms in the brochure.
If the policy runs to maturity
You receive the sum assured plus the bonus built up to that date as a lump sum on the maturity date.
Typical for endowment plans — confirm the exact terms in the brochure.
Optional riders
प्राकृतिक मृत्यु लाभ
प्राकृतिक मृत्युमा आधारभूत बीमाङ्कको २ गुणा तथा आर्जित बोनस भुक्तानी हुन्छ।
दुर्घटना मृत्यु लाभ
दुर्घटना मृत्युमा आधारभूत बीमाङ्कको ३ गुणा तथा आर्जित बोनस भुक्तानी हुन्छ।
Natural Death Benefit
Natural death pays 2× basic sum assured plus accrued bonus as a core plan benefit.
Accidental Death Benefit
Accidental death pays 3× basic sum assured plus accrued bonus as a core plan benefit.
Loan & liquidity
- Policy loan
- Available
- Surrender allowed
- After 3 years
Premium
Quote on request